Metro/Urban - Rs.500/- without cheque book & Rs.1000/- with cheque book
Semi-urban/Rural Branches - Rs.100/- without cheque book & Rs.500/- with cheque book

Interest Rate

4%

Card Offered

ATM cum Debit Card

Main Features

NATURE OF DEPOSIT: Running (Operating) account.

PERIODICITY OF INTEREST PAYMENT: Interest is payable half-yearly, every February and August on the minimum balance in the account, between the 10th and last day of the month.

SPECIAL RATE FOR SENIOR CITIZEN-Not applicable

SPECIAL RATE FOR BULK DEPOSITS- Not applicable

TDS- Not applicable

Fees & charges

Fees & charges

Charges for non maintenance of minimum quarterly average balance

Flat Charge of Rs. 20/- per month (to be collected once in a month on last working day)

Balance inquiry at own bank

Inquiries up to six months :
Free of Charge- for all catagories
Entries above 6 months up to 1 yr old :
OTHER THAN INDIVIDUAL - Rs. 25/- per entry. Minimum Rs. 50/- per Occasion
OTHER THAN RURAL - Rs. 20/- per entry. Minimum Rs. 40/- per Occasion
RURAL - Rs. 10/- per entry. Minimum Rs. 25/- per Occasion

REMITTANCE [ Issue of DD /TT / PO /BC] : Against tender of cash (both for local / outstation )
(applicable to all branches rural and other than rural, individuals and non individuals) - rural and other than rural, individuals and non individuals)

Up to Rs. 1000/- no additional charges Above Rs. 1000/-, additional charges at 20% (extra) on applicable charges, rounded off to next Re. For denominations below Rs. 100/- 50% extra on normal charges
Note :: i) The above charges for remittance against tender of cash are only indicative rates. However, the bank has the discretion to levy higher rates depending on the circumstances, subject to maximum of 200% of applicable normal charges.

ii) For retirement of bills against tender of cash, additional charges of Rs.100/- flat per bill shall be collected in addition bills collection charges.
DEMAND DRAFT-CANCELLATION
1. Upto Rs 10 lakh
OTHER THAN INDIVIDUAL - Rs. 50/- per DD
OTHER THAN RURAL - Rs. 40/- per DD
RURAL - Rs. 30/- per DD
2. Above Rs.10 Lakh ( other than Local)
OTHER THAN INDIVIDUAL - Rs.1000/- per DD
OTHER THAN RURAL - Rs.750/- per DD
RURAL - Rs.500/- per DD
DEMAND DRAFT -REVALIDATION : (both for local and outstation)
Revalidation of DD / Local DD
OTHER THAN INDIVIDUAL- Rs.30/- flat per DD
OTHER THAN RURAL - Rs.25/- flat per DD
RURAL - Rs.20/- flat per DD
DEMAND DRAFT -DUPLICATE ISSUANCE : (both for local and outstation )
1. Issue of Duplicate DD
OTHER THAN INDIVIDUAL - Rs.50/- per DD, upto Rs.10000/-
OTHER THAN RURAL - Rs.40/- per DD, upto Rs.10000/-
RURAL- Rs.35/- per DD, upto Rs.10000/-
2. For DDs above Rs. 10000/-
OTHER THAN INDIVIDUAL - 50% of applicable commission subject to minimum of Rs.50/- per DD.
OTHER THAN RURAL - 50% of applicable commission subject to minimum of Rs.40/- per DD.
RURAL - 50% of applicable commission subject to minimum of Rs.35/- per DD.

Where MICR is operational - MICR Cheques -
OTHER THAN INDIVIDUALSRs. 2.50 per cheque leaf
OTHER THAN RURAL - Rs. 2.50 per cheque leaf
RURAL - Rs. 2.00 per cheque leaf
Where MICR is not operational - MICR Cheques -
OTHER THAN INDIVIDUALS Rs. 1.50 per cheque leaf
OTHER THAN RURAL- Rs. 1.50 per cheque leaf
RURAL- Rs. 1.00 per cheque leaf
Non-MICR Cheques -
OTHER THAN INDIVIDUALS Rs. 1.50 per cheque leaf
OTHER THAN RURAL- Rs. 1.50 per cheque leaf
RURAL- Rs. 1.00 per cheque leaf
Free cheque leaves for SB Account in a calendar year - 40 leaves free
Rural- 60 leaves free
Note: The MICR/ Non - MICR cheque charges for SB accounts are to be levied only for the additional leaves issued in excess of the free entitlement.

Pass Book

Pass Sheets : First set free of charges in a month for all categories
Additional set / copies- OTHER THAN INDIVIDUALS Rs. 20/- per page.
Minimum Rs. 40/- per occasion. OTHER THAN RURAL-Rs. 10/- per page. Minimum Rs. 30/- per occasion
RURAL- Rs. 10/- per page. Minimum Rs. 20/- per occasion
Computerised Pass Books : No Charges since issue of pass book for all account holders is considered mandatory
Duplicate Pass Book /Pass sheet / Statement
OTHER THAN INDIVIDUALS -With latest entry / balance Rs. 50/- per pass book / pass sheet
OTHER THAN RURAL - With latest entry / balance Rs. 40/- per pass book / pass sheet
RURAL- With latest entry / balance Rs. 30/- per pass book / pass sheet
Additional page / sheet
OTHER THAN INDIVIDUAL -Rs. 20/- per additional page or part thereof. Minimum Rs. 50/-
OTHER THAN RURAL - Rs. 15/- per additional page or part thereof. Minimum Rs. 40/-
RURAL-Rs. 10/- per additional page or part thereof. Minimum Rs. 30/-

Outstation cheque collection

a) Collection of outstation cheques and instruments such as Demand Drafts, Dividend / Interests warrants, Refund Orders, Income Tax refund orders etc. (other than bills) :
1. Upto and inclusive of Rs 1000/-
OTHER THAN INDIVIDUAL- Rs 25/-
OTHER THAN RURAL - Rs 20/-
RURAL - Rs 20/-
2. Above Rs 1000/- upto Rs 10000/-
OTHER THAN INDIVIDUAL - Rs 45/-
OTHER THAN RURAL - Rs 40/-
RURAL - Rs 35/-
3. Above Rs 10000/-
OTHER THAN INDIVIDUAL - Rs 4.50 per Rs 1000/- or part thereof minimum of Rs 45/- Subject to a maximum of Rs. 12000/-
OTHER THAN RURAL- Rs 4.00 per Rs 1000/- or part thereof - minimum of Rs 40/- Subject to a maximum of Rs. 10000/-
RURAL - Rs 4.00 per Rs 1000/- or part thereof - minimum of Rs 35/-
Subject to a maximum of Rs. 10000/-
NOTE: In Case of Inward collection of instruments, since category of the beneficiary may not be ascertainable, charges as applicable to ‘INDIVIDUAL - OTHER THAN RURAL' category shall be reckoned by all branches, irrespective of customer category and population group .
b) Collection of Dividend / Interest Warrants / Refund Orders for Individuals - Concession
OTHER THAN INDIVIDUAL -No Concession
OTHER THAN RURAL - If value of instrument is up to Rs. 250/-, No Charges, only OPE + Postage
RURAL - If value of instrument is up to Rs. 250/-, No Charges, only OPE + Postage

Return of Cheque

CHEQUES / BILLS / INSTRUMENTS RETURN CHARGES – LOCAL
a) Return of Inward Instruments (Inward Local Cheques / Bills / Instruments including LCC etc., received for payment but returned to
other Banks / Branches ) Only in case of the cheque/bill/instrument being returned for want of funds / similar reasons : (to be debited
from our drawer customer's account)
OTHER THAN INDIVIDUAL-Rs. 50/- per cheque / instrument
OTHER THAN RURAL - Rs. 40/- per cheque / instrument
RURAL- Rs. 40/- per cheque / instrument
b) Return of Outward Instruments (Outward Local Cheques / Bills / Instruments including Local Clearing Cheques LCC/LOSCs etc.
lodged by customers for collection and returned to us by other Banks / Branches) – Collected as Handling charges.
OTHER THAN INDIVIDUAL-Rs. 30/- per cheque / instrument
OTHER THAN RURAL- Rs. 25/- per cheque / instrument
RURAL - Rs. 20/- per cheque / instrument
CHEQUES / BILLS /INSTRUMENTS RETURN CHARGES – OUTSTATION
a) Return of Inward Instruments (Inward Outstation Cheques / Bills / Instruments including ICCs / ISCs / IBCs etc., received for
payment but returned to other Banks / Branches)
50% of applicable collection charges, with a minimum of Rs. 50/- + postage (Since category of the beneficiary in case of inward instruments may not be ascertainable, charges as applicable to ‘INDIVIDUAL – OTHER THAN RURAL' category shall be reckoned)
b) Return of Outward Instruments (Outward Outstation Cheques / Bills / Instruments including OSCs / OBCs etc., lodged by customers for collection and returned to us by other Banks / Branches)
OTHER THAN INDIVIDUAL -50% of applicable collection charges, Min Rs.75/- + postage
OTHER THAN RURAL- 50% of applicable collection charges-Min Rs. 50/- + postage
RURAL- 50% of applicable collection charges-Min Rs. 50/- + postage

Before one year- With Cheque Book facility:
OTHER THAN INDIVIDUAL- Rs. 100/- per account
OTHER THAN RURAL- Rs. 75/- per account
RURAL- Rs. 50/- per account
Without Cheque Book facility:
OTHER THAN INDIVIDUAL -Rs. 50/- per account
OTHER THAN RURAL- Rs. 35/- per account
RURAL- Rs. 25/- per account
Exemptions :: 1) Transfer from branch to branch. 2) Opening another account in joint names. 3) Death of the account holder
Charges for In-operative Accounts (Half Yearly Service Charge)
a. If balance in the account is above the applicable minimum (for particular branch category, for without cheque book slab), No charge.

b. If balance is below applicable minimum, service charge of Rs. 30/- or available balance whichever is lower, is to be collected half yearly (for inoperative accounts other than unclaimed deposits).